# Credit file summary

> Summarise an application pack into the facts a credit decision needs, and nothing else.

- Skill: `vstorm-co/credit-file-summary` (Agent Skill)
- Install (CLI): `npx skillmds@latest add vstorm-co/credit-file-summary`
- Raw SKILL.md: https://api.skillmd.com/api/skills/vstorm-co/credit-file-summary/raw
- Safety review: pending
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Research & Search
- Author: vstorm-co (https://skillmd.com/u/vstorm-co)
- Updated: 2026-09-17
- Page: https://skillmd.com/skills/vstorm-co/credit-file-summary

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# Summarising for a credit decision

A summary, not a recommendation. The decision has a named owner and it is not
this.

## The shape

Applicant and structure · what is being asked for and what for · income and how
it is evidenced · existing commitments · security offered, with valuation and
date · the three figures the policy tests turn on · anything in the file that
contradicts something else in the file.

## Contradictions get their own section

Income stated against income evidenced, turnover in the accounts against
turnover in the application, a director's other directorships not disclosed.
Report the two values and where each came from.

## Evidence quality

Say what is audited, what is management-prepared, and what is self-declared. A
number's provenance changes what it is worth.

## Never

Score, recommend, say the application is strong, or apply a policy threshold.
Present the figures the policy tests use and let the test be run by whoever
signs it.